SWP calculator
A systematic withdrawal plan pays you a fixed amount every month from an investment. Check whether your money lasts as long as you need it to.
Year-by-year balance
| Year | Withdrawn so far | Balance |
|---|---|---|
| 1 | ₹2,40,000 | ₹24,58,500 |
| 2 | ₹4,80,000 | ₹24,13,556 |
| 3 | ₹7,20,000 | ₹23,64,881 |
| 4 | ₹9,60,000 | ₹23,12,167 |
| 5 | ₹12,00,000 | ₹22,55,077 |
| 6 | ₹14,40,000 | ₹21,93,249 |
| 7 | ₹16,80,000 | ₹21,26,289 |
| 8 | ₹19,20,000 | ₹20,53,771 |
| 9 | ₹21,60,000 | ₹19,75,235 |
| 10 | ₹24,00,000 | ₹18,90,180 |
| 11 | ₹26,40,000 | ₹17,98,065 |
| 12 | ₹28,80,000 | ₹16,98,305 |
| 13 | ₹31,20,000 | ₹15,90,265 |
| 14 | ₹33,60,000 | ₹14,73,258 |
| 15 | ₹36,00,000 | ₹13,46,539 |
A safe withdrawal rate
If you withdraw less each year than the investment earns, the balance can last indefinitely. Withdrawing more than it earns eats into the capital. Try lowering the monthly amount until the money lasts beyond the period you need.
Questions people ask
What is an SWP?
A systematic withdrawal plan lets you take a fixed sum from a mutual fund or other investment every month, while the rest stays invested. Retirees often use it as a regular income.
How does this calculator work?
Each month the balance grows at one twelfth of the yearly return, then the withdrawal is taken out. Real returns go up and down, so treat the result as a guide, not a promise.
How is SWP taxed?
Each withdrawal is treated as a sale of units, so only the gain part is taxed as capital gains. The rate depends on the fund type and how long the units were held. Check the current rules or ask a tax adviser.
A tax professional can call you back. Asking is free.
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Results are estimates for information only, not financial or tax advice. Rates, rules and limits change, so check with your bank, employer or a qualified adviser before you decide.